Insurance for 17 year old

Good advise from Mark and please take note of it. No mater how good you think you will be behind the wheel you will smash it. If you get something cheaper and les powerful it will feel fast to you, then when you feel happy with that look at moving on.

Don’t take this post as someone being condescending or me being boring take it as someone that’s been there and got the T-shirt :roll:

Mark

You guy’s with what at first sight seam to be negative comments seam to have missed something :roll:

I for one agree with 99% of what you are saying here But what Father would help insure his son in a car that is lightly to kill him if he didn’t think his own flesh and blood didn’t have the sence to respect what he is driving ???

As a whole you are probably right to give the advice to younger drivers that want to take controll of a car sutch as the GTO but he did state that his Father was happy to back him in driving one of these motors… Who better to judge weather his son is experienced and responsable enough to be in controll of one of these cars.

We cannot tar every young driver with the same idiot brush.

However your conserns of seeing any inexperienced young or old reckless driver take charge of one of these cars on our roads has been noted by myself and I would hate to think that I had been party by way of advice to see anyone get hurt therefore I have decided to delete my posts advising of posable ways of insuring… *useing your words *inexperienced drivers. :wink:

[quote]You guy’s with what at first sight seam to be negative comments seam to have missed something :roll:

I for one agree with 99% of what you are saying here But what Father would help insure his son in a car that is lightly to kill him if he didn’t think his own flesh and blood didn’t have the sence to respect what he is driving ???

As a whole you are probably right to give the advice to younger drivers that want to take controll of a car sutch as the GTO but he did state that his Father was happy to back him in driving one of these motors… Who better to judge weather his son is experienced and responsable enough to be in controll of one of these cars.

We cannot tar every young driver with the same idiot brush.

However your conserns of seeing any inexperienced young or old reckless driver take charge of one of these cars on our roads has been noted by myself and I would hate to think that I had been party by way of advice to see anyone get hurt therefore I have decided to delete my posts advising of posable ways of insuring… useing your words inexperienced drivers. :wink:[/quote]

Speaking from experience as mentioned in my first post on the subject, I have seen many fathers insure the kids in all sorts of cars way above their ability level, and I have seen the consequenses of this.

My apprentice is learning to drive at the moment along with one of the junior chef’s at work. My apprentice has a 1.8si escort (highly modded) and the chef has a pug 206 again with mods. Both of them especially my apprentice think they are gods gift to cars, and my apprentice has been driving off road in his dads field since he could see over the steering wheel.

Both have now failed there tests three times, both on speeding and lack of observation anongst other things.

The cars they are driving a reasonably sensible for their ages, but in both cases are the higher power models. I have seen kids as young driving brand new BMW’s, Alfa’s and I once had to pull in a wrecked Lancia Integrale owned by an 18 yo plank who still insisted he was the best driver in the world. In most cases dad thinks laddo is the safest driver too, because every time dad is in the car they drive like angels.

Only my opinion from my experience having owned a large bodyshop and seen the aftermath of inexperienced drivers, I will always recomend a first car be an old banger with no power; until they have got experience under their belts.

Russ

I Agree as tought as it sounds i would build on the no-claims, by all means, buy the car and keep it till you are old enought to insurre it…im 24 and im having problems getting insurred to the point that ive taken mine of the road till im 25…or unless i get a new job coz at the moment its just daylight robbery i think for under 25`s and when i turn 25, it goes down by about £300-500 quid…

And as for the power, i have N/A and have driven a turbo and these are seriously powerful machines, im still gettin used to my N/A from a Mazda GT-X turbo, its a heavy car, and taking a corner at full pelt is alot different than a hatchback…its takes getting used too.

[quote]

I for one agree with 99% of what you are saying here…[/quote]

[quote]
As a whole you are probably right to give the advice to younger drivers that want to take controll of a car sutch as the GTO [/quote]

I think I have agreed with you. :roll:

[quote]
We cannot tar every young driver with the same idiot brush.[/quote]

What a shame that this has become the norm…
It just makes tougher for the ones that do consider other road users and drive sensibley.

[quote]
However your conserns of seeing any inexperienced young or old reckless driver take charge of one of these cars on our roads has been noted by myself and I would hate to think that I had been party by way of advice to see anyone get hurt therefore I have decided to delete my posts [/quote]

This part of my post seems to have been missed…
If I had not agreed with what most are saying then I would NOT have deleted my original posts.

[quote]

Only my opinion from my experience having owned a large bodyshop and seen the aftermath of inexperienced drivers,

Russ[/quote]

I to have owned 5 bodyshops for most of my life and have also seen the aftermath But have also seen probably more accidents caused by older more ( NO ) over experienced drivers that either think they own the road or due to driving for so many years drive with a lack of concentration. It looks like I’m sticking up for the younger driver and to be honest I am… the ones that do drive sensibley and are penalised by the few that dont.
A good example would be thanks to my son nagging me and the types of cars I own I go crusing each weekend with him and his friends.On a good evening there can be up to 50 of us and yes 6 or 7 are idiots and love to show off but behind their backs they are called T@**ers.

BrightonCarz Club meet each week on the seafront where the speed trials are held each year.( Lots of modded cars ) A 30mph speed limit there and if anyone is seen doing more they are kicked out of the club.
It would be very interesting to see the results of a survey regarding the ages of drivers caught by speed cameras. I would almost put my money on the higher percentage being the older experienced drivers reather than the young.

It seems to me that the police / insurance companies etc. target the youth of today when it comes down to driving a car.If you got a car thats got a fancy paint job a fin or two, giant wheels and the arse kissing the ground and your under 25 you will very quickly be stopped.

How many of us older guys been stopped for going over the speed limit and as soon as the copper sees how old you are you just get asked to slow down a bit and do they ever keep you on the roadside while they rip your car to bits trying to find faults ?
A good example was when I picked my kids up from clubbing one night at 2 am. I was in a Cossie RS 500 rep. with all the gear… skirts / fins / lowerd and most illegal green side lights.

I pulled up accross the road from the club and sure enough 3 coppers took one look at my car and made a b line for it… I opened the window and when they saw how old I was all I got was an " evening sir have you had a nice evening " and they walked back to the club.
Do you reaily think that is all they would have done had I been a teenager…
They walked accross the road just to say that… NOWAY ! :shock: :shock:

The question is will you be giving guy’s like Top Secret or RedMitz the same advice once they get through their tests and can drive one of these cars ?

Heck! there was a topic only the other week regarding speeding and how we dont like all the cameras etc. and it was RedMitz that told us in no uncertain terms that we should all abide by the given speed limits only to find he was shouted down in a sumwhat aggressivaly manner and put in his place… in fact quite rudely. :? :? :?

So I dont think we should tar everyone with the same brush but
regardless of what I am saying I DO AGREE with what has been said and hence my original posts deleted.

These are powerful cars that need respect. :wink:

im 24, after loads of ringing around norwich union insured me third party fire and theft for £1028 on my 93 twin turbo, the only condition was that i had to get a cat 1 fitted. all the so called sports car insurers wanted over 3 times that so i was well happy!

[quote]im 24 and im having problems getting insurred to the point that ive taken mine of the road till im 25…or unless i get a new job coz at the moment its just daylight robbery i think for under 25`s and when i turn 25, it goes down by about £300-500 quid…

[/quote]

you wish… I turned 25 in March, my quotes this year are £100-200 cheaper which is about right for having an extra years no claims

[quote]RobsonGTO wrote:
im 24 and im having problems getting insurred to the point that ive taken mine of the road till im 25…or unless i get a new job coz at the moment its just daylight robbery i think for under 25`s and when i turn 25, it goes down by about £300-500 quid…

you wish… I turned 25 in March, my quotes this year are £100-200 cheaper which is about right for having an extra years no claims[/quote]

I swear down, when phoning insurrance companys it was about £3-400 difference in the age.and thats including another years no claims on top of the 3 I have so far.

Andy’s car is an N/A … so perhaps the cars [potential] power comes into it a bit then?

Taking corners at full tilt eh? Andy - you bad boy ! LOL !

How long till your 25 mate? I bet the waits killing you !

Adam

[quote]Andy’s car is an N/A … so perhaps the cars [potential] power comes into it a bit then?

Taking corners at full tilt eh? Andy - you bad boy ! LOL !

How long till your 25 mate? I bet the waits killing you !

Adam[/quote]

i thought they were all group 20 :?

(i like the avatar another hero dies :cry: )

im sure im with norwich union direct and didnt need any alarm or tracker :?

and i found that TPFT was acctually more expensive than fully comp :?

man i really hate insurence companys :x

[quote]Andy’s car is an N/A … so perhaps the cars [potential] power comes into it a bit then?

Taking corners at full tilt eh? Andy - you bad boy ! LOL !

How long till your 25 mate? I bet the waits killing you !

Adam[/quote]

I have about 10 months left lol, wishing my life away…but naa im looking for a cheap car to get on the road and im going into contract networking so i need a cheap car to commute in, ive had several offers job wise, just i need the transport, and i hate to pay the rip off prices ive been quoated, but the joy i get from driving my GTO…its gonna be hard, the looks it gets…worth it :smiley:

I found that out too!!! how weird! this insurrance game is a mugs game, when they put u on hold, they are spining a wheel of fortune as to what to charge you i bet…

Hahahahahahahaha

Couple of examples for you:

Me - 18 - No NCB Rover 220 Turbo Coupe

Paid £2970 - Elephant

Mate - 19 - No NCB - Lotus Elise 111S

Paid £5.5 with footman james

And if you go on your parents insurance and have a crash, good luck when you stand up in court and try to prove how you weren’t the main driver.

[quote]Paid £5.5 with footman james
[/quote]

Must give them a call! :lol:

Must give them a call! :lol:[/quote]

Lol, they were the only people who would insure him.

[quote]

I found that out too!!! how weird! this insurrance game is a mugs game, when they put u on hold, they are spining a wheel of fortune as to what to charge you i bet…[/quote]

you know rob i think ur right, i think they sit and banter among them selves or count how many M&M’s they got left and multyply em by 100

I couldnt think of a worse car to be a kids first car. Might as well go and give the guy a loaded gun! I dont care how mature, or responsible he is. This is a very powerful car, and i’m shocked that his dad would agree to it… if he has at all. I for one hope no one lets him get insured on it!

On a different note… what 17 yr could afford a car like this!? The fuel bills in themselves would keep you working overtime at the supermarket. And when it goes wrong… :S I think back to when i was 17 with my little Austin Metro 1.0, and all the money i saved by having a car like that, i could go out and have a good time. Having a GTO at 17 wouldnt allow you to do anything except pay for a car that you really can’t afford.

Sorry to sound heavy handed by I really dont feel that 17 year olds should be encouraged to drive very big and powerful cars.

Saul

I understand these are powerful cars I have a Twin turbo and it is seriously quick. I agree to a certain extent to what people are saying here, a gto for a 17 year old is maybe to much of a handful. But any car is only as quick as your right foot, if the lad is a sensible driver (which i think in a gto will be unlikely) then no problems. It is when you get a 17 year old with no sense when the problems/accidents start.

My first car was a 900cc talbot samba, i know it was a horrible car but i had more fun in that car than any other. The two years i had that car was a blast. mucking around in it with your mates, going all over the country under your own steam with no parents in tow gave such a sense of freedom and independance. The 1st time i got it to go 100mph down the motorway felt fantastic, the week it spent in the garage after doing 100mph getting the head skimmed not so fantastic. But hopefully you will see my point, it was not the make of car that made it fun it was the fact you had a car at all which was great.

My advice, buy a cheap banger, learn some road craft and gain experience. Gain your NCD but most of all have a blast. God do i sound old or what.

[quote]I understand these are powerful cars I have a Twin turbo and it is seriously quick. I agree to a certain extent to what people are saying here, a gto for a 17 year old is maybe to much of a handful. But any car is only as quick as your right foot, if the lad is a sensible driver (which i think in a gto will be unlikely) then no problems. It is when you get a 17 year old with no sense when the problems/accidents start.

My first car was a 900cc talbot samba, i know it was a horrible car but i had more fun in that car than any other. The two years i had that car was a blast. mucking around in it with your mates, going all over the country under your own steam with no parents in tow gave such a sense of freedom and independance. The 1st time i got it to go 100mph down the motorway felt fantastic, the week it spent in the garage after doing 100mph getting the head skimmed not so fantastic. But hopefully you will see my point, it was not the make of car that made it fun it was the fact you had a car at all which was great.

My advice, buy a cheap banger, learn some road craft and gain experience. Gain your NCD but most of all have a blast. God do i sound old or what.[/quote]

Couldn’t agree more, exact road i’ve gone down.